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Daniel Payne has extensive experience in credit risk analysis and financial services, currently serving as the Lead Credit Risk Analyst at Jaja Finance since June 2022. Previously, Daniel held roles such as FS Manager - Credit Analyst at The Very Group from October 2018 to June 2022 and Account Management Analyst at Virgin Money from September 2017 to October 2018. Earlier in the career, Daniel worked in various positions at Shop Direct, including Senior Pricing Analyst and Credit Risk Analyst, and held the position of Performance Analyst at NHS Halton & St Helens. Daniel's career began at Cheltenham & Gloucester plc as a Business Intelligence Analyst, along with experience as a Credit Risk Analyst at Stroud and Swindon Building Society.